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Thin — worth an offer, not the asking price

Rented normally, you'd make about $317 a month.

That is thin: one empty month wipes out 6 months of that profit. The rent rests on 15 similar homes letting within 1.8 km, so treat it as a guide. The problem is the gap between them is too small to absorb anything going wrong.

5036 N 16th St, Philadelphia, PA 19141 · 1,342 sqft · $123/sqft

4 BED TOWNHOUSEListed 112d · ~3.5mo

$165,000

Rented normally — 13.40% return before costs on price.

Research, not financial advice

Why it works

Monthly profit +$317/mo from completion — the no.1 reason to invest
This is the money left after the mortgage, the running costs and tax — not the rent.It assumes the rent we modelled and the empty weeks we assumed. Change either and it moves. Try your own numbers →
13.40% return before costs — above-market
Rent over price, before any costs. Useful for comparing streets; it is not money you keep.Two properties on the same yield can leave you very different amounts. See what you keep →

What would have to be true?

Nothing — it works at the asking price

The rent covers the mortgage, the running costs and the tax at the $165,000 asked, so there is no discount this card has to name. A lower price would be upside, not a condition.

worked back from the rent

Is it a good location?

Philadelphia

We hold no schools, flood or crime reading for this address yet — open for the map and what we do have. An absence here is a gap in our record, not a clean bill.

coordinates on file

What if I change my assumptions?

At the asking price, 25% deposit, 7.00%

Move one of these 15 and every card on this page moves with it.

The 15 dials are in the What if… panel beside this board.

What if…

Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent).

You keep$317/mo

Cash in$145,613

Lender109%

Offer

Deposit

Mortgage rate

Standard rental

Rent

Empty weeks a year

Doing it up

Estimated, not surveyed — nobody has been inside.

More assumptions9

Mortgage term

Stress rate

Solicitor + survey

Lender fees

Letting agent

Insurance

Maintenance

Service charge

Ground rent

Where these figures came from15

Offer the asking price$165,000Asking price from listing

Deposit a typical assumption25%Standard 75% LTV for rental

Mortgage rate a typical assumption7.00%5-year fixed (market average) — 7.00% (as of 2026-05).

Rent worked out from local rents$1,843/moEstimated rent from 15 comparables. Range $1,635–$2,077/mo.

Empty weeks a year a typical assumption2 wksTypical voids for rental

Doing it up a general default, not this property$99,000Capped at 60% of $165,000 asking ($99,000). Raw model: $72,710–$135,860. Verify with a surveyor before offering.

Mortgage term a general default, not this property30 yrs

Stress rate a typical assumption8.00%Fed base + 2pp stress (8.0%)

Solicitor + survey a typical figure, not a quote$1,700Standard house — $1,100 legal + $600 survey

Lender fees a typical figure, not a quote$3,4752% product fee on $123,750 loan + $1,000 booking fee

Letting agent a typical assumption10%Typical rental agency rate

Insurance a typical figure, not a quote$20/moTypical building+landlord cover for sub-$200K

Maintenance a general default, not this property$67/moDefault $67/mo — type unknown

Service charge a typical figure, not a quote$0/moFreehold — no service charge

Ground rent a typical figure, not a quote$0/moFreehold — no ground rent

These are this page's own derivation notes, unedited. A figure marked a typical figure, not a quote is our model of a cost for a property of this kind in this area — not a price anybody has given you, and the first thing worth replacing with a real one.

the asking price worked out from local rents lender terms are typical, not quoted

What can we answer in this market?

6 of 11 questions 5 need data we do not hold in this market yet

3 of them run on numbers you set yourself, so they stay amber however good they look.

Coverage, not a verdict

Ready to move on this deal?

Generates an offer pack with your numbers & sources — take it to the agent.

Listing seen …